Commercial Property Loans
Star Rich Funding helps real estate investors and business owners explore financing options for the purchase, refinance, or cash-out refinance of commercial real estate. We work with a network of lenders offering financing solutions for a variety of commercial property types and investment strategies.
Whether you’re acquiring a new property, refinancing an existing commercial loan, or accessing equity for your next investment, we can help identify financing options that fit your property and goals.
Benefits of Commercial Property Financing
Commercial Properties We May Finance
- Financing for purchase, refinance, or cash-out refinance
- Programs for a variety of commercial property types
- Flexible financing options based on the property and transaction
- Options for investors and qualifying business owners
- Access to a network of commercial real estate lenders
- Financing solutions for both investment and certain owner-occupied properties
- Multifamily properties
- Mixed-use properties
- Office buildings
- Retail properties
- Shopping centers
- Warehouses
- Industrial properties
- Self-storage facilities
- Other qualifying commercial properties
Typical Qualifications & Requirements
Requirements vary by lender and property type, but borrowers should generally be prepared to provide information about the property, requested loan amount, purchase price or estimated value, available down payment or equity, credit history, ownership entity, income or rent rolls, leases when applicable, and real estate investment experience.
For refinance transactions, lenders may also request the current mortgage balance, payoff information, property operating statements, and details about the intended use of cash-out proceeds.
How to Get Started
Getting started is simple. Complete our Commercial Property Loan request form with some basic information about yourself, the property, and the financing you need. Star Rich Funding will review your request and work to connect you with lending options that match your transaction.
Frequently Asked Questions
Can I finance an investment commercial property?
Yes. Commercial financing may be available for both investment properties and certain owner-occupied commercial properties, depending on the lender and program.
How much down payment is required?
Down payment requirements vary based on the property, loan program, borrower qualifications, and lender. Commercial transactions commonly require more equity than traditional residential financing.
Can I purchase commercial property through an LLC?
Yes. Many commercial real estate lenders allow properties to be purchased and held through an LLC or other qualifying business entity.
Can I refinance an existing commercial property?
Yes. Commercial property owners may be able to refinance to obtain different loan terms, replace maturing debt, reduce payments, or access available equity.
Is cash-out refinancing available?
Yes, depending on the property value, existing loan balance, borrower qualifications, and lender guidelines.
What commercial property types are eligible?
Eligible properties can include retail, office, warehouse, industrial, mixed-use, multifamily, self-storage, and other commercial property types. Eligibility varies by lender.
How long does commercial loan approval take?
Timelines vary depending on the property type, loan complexity, appraisal, documentation, and lender. Some private and alternative commercial lenders can move faster than traditional bank financing.
Do I need perfect credit?
No. Credit requirements vary considerably between commercial lenders. The strength of the property, equity, cash flow, borrower experience, and overall transaction may also be considered.
Please Note: Loan programs, rates, terms, down payment requirements, eligibility, and approval timelines vary by lender and borrower qualifications. Contact Star Rich Funding to discuss available financing options for your investment property
Disclaimer
Loan programs, interest rates, terms, and qualification requirements vary by lender. All financing is subject to lender approval, underwriting guidelines, and applicable laws. Star Rich Funding is a loan broker and does not directly fund loans.
Real estate financing is subject to property review, borrower qualifications, and lender underwriting guidelines